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Life can be unexpected, so be certain about your families protection with a Whole Life Insurance (Permenant Life Insurance) Policy. Live life worry-free that your family always has coverage and protection while building financial wealth.
Get Whole Life Insurance >Whole Life insurance is also referred to as Permenant Life Insurance. In Canada, whole life insurance is a form of permanent coverage designed to last your entire lifetime. This type of insurance does not expire and remains in effect as long as the premiums are paid. If you pass away, your beneficiaries will receive a tax-free lump sum payment equal to your coverage. Some whole life policies also include a built-in savings component known as cash value. Over time, this cash value can grow while paying annual dividends and may also be accessed during your lifetime, providing added financial flexibility when you need it; ask your advisor about built-in savings with a Whole Life Insurance policy, or speak to us about setting up additional investment or savings account.
With whole life insurance, you have permanent coverage for life as long as premiums are paid — your protection does not suddenly end after a certain period or change to your health.
The amount you pay is always the same, does not go up with any rates and will not adjust due to future changes in your health.
The death benefit on your policy is paid directly to your designated beneficiaries or estate on a tax-free basis.
Coverage doesn't have to wait, speak with our Licensed Insurance Advsiors about your financial
needs and wants to get a customized insurance quote thats affordable for you.
A whole life insurance policy is often best for individuals who want permanent life insurance coverage, fixed premiums, and the added benefit of building cash value over time. It can be especially appealing to younger, healthy individuals who want to lock in lifelong coverage early, but it may also be a strong fit for older adults in good health who want coverage for estate planning, final expenses, or leaving behind a financial legacy. For families, married couples, parents, business owners, or anyone with long-term financial responsibilities, whole life insurance offers stability and protection that does not expire after a set term.
Whole life insurance may be the ultimate choice for someone who wants more than temporary protection. For example, a healthy individual with a spouse, children, or long-term financial goals may want a policy that provides guaranteed lifelong coverage while also building cash value they can access in the future. Rather than simply covering short-term needs, whole life insurance can help create long-term security, support estate planning goals, and leave behind a tax-advantaged benefit for loved ones.
Find out if a Whole Life Insurance policy is the best solution for you by speaking with one of our licensed Insurance Advisors. With an in-depth Financial Needs Analysis (FNA) our advisors can provide customized insurance policy options with taylored premiums that are affordable and match your needs. Speak with one of our advisors today or Call us at 1(403) 888-1929
Generally, whole life insurance (permanent insurance) costs more than term insurance, but there are a lot of factors that determine the cost of your policy, including:
Generally, insurance is less expensive when you’re younger.
Family history, chronic diseases and lifestyle can increase costs.
Women live longer than men on average, so insurance may cost less.
If you have a dangerous job, your insurance costs can be higher.
It's never too late to explore insurance options for your family. Inquire about a quote for Whole Life Insurance by speaking with one of our licensed Insurance Advisors. They'll help you find the best policy that meets your coverage and financial needs.
Speak with an Advisor
Whatever your life’s goals, our financial professionals can help design a strategy tailored to your specific needs. Kinley Financial is primed to help you prepare for the long term with life insurance, education planning, and retirement strategies.
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